Consumer Real Estate Finance in Alabama vs the state
32.9%Denial rate+13.04 pts vs state
36.8%Decision denial rate+11.76 pts vs state
56.6%Origination rate+1.19 pts vs state
6.88%Median rate+0.38 pts vs state
0.66Rate spread (pts)+0.38 pts vs state
$54kMedian applicant income
43Loans originated
25Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 31 | 33.8% | 7.00% | #240 |
| 2024 | 73 | 33 | 24.7% | 7.06% | #252 |
| 2025 | 76 | 43 | 32.9% | 6.88% | #259 |
What Consumer Real Estate Finance lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 12 | 5 | 5 | 41.7% |
| Coffee County | 5 | 3 | 1 | 20.0% |
| Calhoun County | 5 | 2 | 2 | 40.0% |
| Jackson County | 4 | 2 | 2 | 50.0% |
| Madison County | 4 | 4 | 0 | 0.0% |
| Baldwin County | 3 | 2 | 1 | 33.3% |
| Houston County | 3 | 0 | 1 | 33.3% |
| Talladega County | 3 | 1 | 2 | 66.7% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Barbour County | 2 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 76 applications in 2025, of which 43 were originated and 25 denied.
32.9% of all applications, or 36.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Consumer Real Estate Finance originated in Alabama in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Consumer Real Estate Finance's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology